Basic & Voluntary Term Life Insurance:
Designed exclusively for Minnesota Chamber members, ING Employee Benefits has designed a basic and voluntary group term life and disability insurance plan.

Attractive Standard Features:
• Available to member employers with 2 or more employees.
• Basic life coverage options: flat $10,000, flat $20,000, and one times salary to $50,000.
• Guaranteed issue level is based on employer size.

Covered Lives Less than 15 15 to 49 50 lives or more

Amount $20,000 1x salary to $50,000 ($25,000 minimum) Per ING Guidelines (case by case)

Waiver of premium if an employee becomes totally disables* before age 60. Accelerated life benefit, which allows a terminally ill employee* to collect up to 50 percent of insurance benefits (Defined in the certificate).

Optional Features:

• Supplemental employees coverage, from $25,000 up to $500,000 (in $25,000 increments).
• Dependent coverage of $5,000 or $10,000.
• Accidental Death, in a coverage accident, doubles the benefit amount. In addition, the dismemberment benefit adds a portion of the benefit amount for covered accidents.

Value-added Services:
• Communication Support, including an attractive brochure explaining the benefits and educating employees about the importance of life insurance.
• Customized enrollment support, including a customized personal fact sheet with optional benefits and rates for each employee and a customized application form.

Supplemental Life Rates. Rates per $1,000 per month.

Age	Rates
Less than 25 years 25 - 29 years 30 - 34 years 35 - 39 years 40 - 44 years 45 - 49 years 50 - 54 years 55 - 59 years 60 - 64 years 65 - 69 years 70 or more years	$.06 $.07 $.09 $.11 $.17 $.29 $.48 $.75 $1.17 $2.10 $3.79

Assumptions:
• Supplemental accidental death and dismemberment coverage: $.04 per month per $1,000 of coverage.
• Dependent coverage: $5,000 benefit for $.90 per month, $10,000 benefit for $1.80 per month.
• Employees must be active full time employees working at least 30 hours per week.
• Suicide is excluded during the first two years of employee paid coverage.
• Minimum participation requirement of 25 percent.
• A takeover plan, with full grandfathered amounts, is available on a guaranteed issue basis.
• Coverage reduces to 65% at age 65; to 50% at age 70; and to 30% at age 75.
• Rates are subject to change.

Disability Income Insurance
ING Employee Benefits is please to offer a full spectrum of disability income products and services, designed especially for employees of companies who are members of the Minnesota Chamber of Commerce.

Short Term Disability (STD):
Income protection for employees in employer-sponsored plans insured by ING Employee Benefits.

STD rates available for employees of participating Chamber members with less than ten coveraged employees. Rates per $10 of covered benefit.

Age	13-week benefit	26-week benefit
Less than 30 years 30 - 39 years 40 - 49 years 50 - 54 years 55 - 59 years 60 - 64 years 70 years or more	$.46 $.46 $.49 $.58 $.76 $.88 $1.00	$.58 $.58 $.64 $.77 $1.01 $1.17 $1.34

Short Term Disability Highlights:
• 1st day accident/8th day sickness
• 13 or 26 week benefit duration
• 12/24 Pre ex for groups of less than 50 lives
• 3/12 Pre ex for groups of more than 50 lives
• Includes residual coverage
• Non-occupational coverage only
• First day hospital coverage is not included
• Full 12 month rate guarantee
• 60% benefit to a weekly maximum of $1,500
• $25 minimum
• Groups with fewer than 10 lives are step rated
• Groups with over 10 lives are manually rated on a composite basis.
• Groups with more than 50 lives have customized plans.

Long Term Disability:
Income protection, for employees in employer-sponsored plans insured by ING Employee Benefits.

All participating members are eligible for a premium holiday if the LTD plan meets the year-end target loss rates.

Age	3-Month Elimination Period	6-Month Elimination Period
Less than 25 years 25 - 29 years 30 - 34 years 35 - 39 years 40 - 44 years 45 - 49 years 50 - 54 years 55 - 59 years 60 years or more	$.23 $.29 $.385 $.50 $.645 $.84 $1.09 $1.42 $1.85	$.18 $.24 $.31 $.40 $.52 $.68 $.88 $1.15 $1.49

Long Term Disability Highlights:
• 3 or 6 month elimination period
• 60% benefit
• $100 to $5,000 monthly coverage
• Coverage to age 65
• Full family integration
• 24 month "own Occ."
• 24 month M&N/Chem. Dep. Limitation
• 3 month survivor benefit
• 12/24 Pre ex for groups of less than 50 lives
• 3/12 Pre ex for groups of more than 50 lives
• 50 lives
• RTW incentive included
• 10% flat commissions
• 2 year rate guarantee
• Groups with fewer than 10 lives are step rated
• Groups with over 10 lives are manually rated
• Groups with more than 50 lives have customized plans